Hi all, I am currently in the process of trying to obtain a mortgage but I am having serious problems because of three late payments posted on my credit file by Vodafone. last March I cancelled my contract with Vodafone and settled with a small bill for the final month's line rental etc. I also moved house and so you move on without any concern. Then in November last year - 2012 - when visiting mortgage brokers / advisors I was made aware there was a default notice on my account due to three late payments not being made to Vodafone from April to June last year. Although shocked and confused as to how and why I would have any outstanding balance as I had paid up I knew the sensible action to take would be to immediately contact Vodafone, pay any arrears and set in place a motion to have the default removed. Vodafone were extremely helpful and via a succession of emails, lasting approximately two months I managed to have the default notice removed. It was made clear from my end that I had seen (or received) no correspondance to the outstanding amount which turned out to be £29, I'd had no post from Vodafone forwarded onto myself regarding any outstanding amount and with the removal of the default I think it can be safely said Vodafone made the correct decision. Fast forward to now and I have had my mortgage application stalled due to the three late payments posted on my credit file by Vodafone and simply put I must seek to have these removed so I can progress with my application. This is having a detrimental affect on my wellbeing, causing unwarranted stress and the obvious ramifications are devastating. While I do not wish to appear flippant, for the sum of £29 that at first I was unaware even existed, and the fact the default was removed, it seems the affect this is having is disproportionate to the amount that was outstanding. I keep my finances very well in order, have and have had no debt, pay on time etc, and made extra effort to make sure I am a viable proposition for a mortgage application. Please can anyone help as I'm really in need of a solution. Thank you Chris